LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,525
−HK$3,482/mo
▼ 0.25% · 3.875%
HK$57,252
−HK$1,755/mo
Today · 4.125%
HK$59,007
baseline
▲ 0.50% · 4.625%
HK$62,598
+HK$3,591/mo
Deposit HK$12.18M · loan HK$12.18M · min. income ≈ HK$118,014/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,034,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,771
−HK$3,338/mo
▼ 0.25% · 3.875%
HK$63,428
−HK$1,681/mo
Today · 4.125%
HK$65,109
baseline
▲ 0.50% · 4.625%
HK$68,541
+HK$3,432/mo
Deposit HK$12.18M · loan HK$12.18M · min. income ≈ HK$130,218/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,034,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,630
−HK$4,179/mo
▼ 0.25% · 3.875%
HK$68,703
−HK$2,106/mo
Today · 4.125%
HK$70,809
baseline
▲ 0.50% · 4.625%
HK$75,117
+HK$4,308/mo
Deposit HK$9.74M · loan HK$14.61M · min. income ≈ HK$141,618/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,034,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,126
−HK$4,004/mo
▼ 0.25% · 3.875%
HK$76,114
−HK$2,016/mo
Today · 4.125%
HK$78,130
baseline
▲ 0.50% · 4.625%
HK$82,249
+HK$4,119/mo
Deposit HK$9.74M · loan HK$14.61M · min. income ≈ HK$156,260/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,034,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,735
−HK$4,875/mo
▼ 0.25% · 3.875%
HK$80,153
−HK$2,457/mo
Today · 4.125%
HK$82,610
baseline
▲ 0.50% · 4.625%
HK$87,637
+HK$5,027/mo
Deposit HK$7.31M · loan HK$17.05M · min. income ≈ HK$165,220/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$1,034,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,480
−HK$4,672/mo
▼ 0.25% · 3.875%
HK$88,799
−HK$2,353/mo
Today · 4.125%
HK$91,152
baseline
▲ 0.50% · 4.625%
HK$95,957
+HK$4,805/mo
Deposit HK$7.31M · loan HK$17.05M · min. income ≈ HK$182,304/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$1,034,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,945
−HK$6,268/mo
▼ 0.25% · 3.875%
HK$103,054
−HK$3,159/mo
Today · 4.125%
HK$106,213
baseline
▲ 0.50% · 4.625%
HK$112,676
+HK$6,463/mo
Deposit HK$2.44M · loan HK$21.92M · min. income ≈ HK$212,426/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,034,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,188
−HK$6,008/mo
▼ 0.25% · 3.875%
HK$114,170
−HK$3,026/mo
Today · 4.125%
HK$117,196
baseline
▲ 0.50% · 4.625%
HK$123,373
+HK$6,177/mo
Deposit HK$2.44M · loan HK$21.92M · min. income ≈ HK$234,392/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,034,895 · Scale 2, in force from 26 Feb 2026)